Eaton at a glance
- Population: 5,832 residents, the 76th-largest of 270 places in Colorado (US Census Bureau, Vintage 2023).
- 2020 Census base: 5,804 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 0.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Colorado places: 76th largest of 270 (US Census Bureau).
- Size percentile: about 72% of places in Colorado are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.5257, -104.7130.
- Nearest larger cities (within 120 miles): Severance, CO (8 mi); Greeley, CO (8 mi); Windsor, CO (11 mi); Evans, CO (12 mi); Timnath, CO (13 mi) (US Census Bureau populations).
- Smaller places nearby: Ault, CO (5 mi); Pierce, CO (9 mi); Garden City, CO (9 mi), per US Census Bureau estimates.
What a personal loan costs in Eaton
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Colorado lending rules that apply in Eaton
The sourced rows below are the rules a licensed lender must follow when lending in Colorado, and therefore in Eaton.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Supervised lender license required from the UCCC Administrator (master license required for more than one place of business); deferred deposit lenders must hold a supervised lender's license Source says: "if a supervised lender has more than one place of business, they must obtain a master license"; "no person shall engage in the business of deferred deposit loans without having first obtained a supervised lender's license" (C.R.S. § 5-3.1-116). | Colorado Attorney General — Uniform Consumer Credit Code licensing as of 2026-09-16 |
| State lending regulator | Colorado Attorney General's Office — Consumer Credit Unit (Administrator of the Uniform Consumer Credit Code) Source says: "The Consumer Credit Unit regulates (through licensure/registration programs) companies and individuals involved in consumer lending"; it "licenses non-bank lenders such as finance companies and payday lenders". | Colorado Attorney General — Consumer Protection Section as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | UCCC finance-charge ceilings: 12% per year on non-supervised consumer loans; supervised loans 36% on the first $1,000, 21% on $1,000–$3,000, 15% above $3,000 (or 21% flat); 21% on revolving accounts Source says: "not exceeding twelve percent per year on the unpaid balance of the amount financed"; "Thirty-six percent per year on that part of the unpaid balances of the amount financed that is one thousand dollars or less"; "Twenty-one percent per year on the unpaid balances of the amount financed". | Colorado General Assembly — C.R.S. § 5-2-201 (Colorado Revised Statutes 2024, Title 5) as of 2026-09-16 |
| Payday lending status | Permitted but capped at 36% APR (Proposition 111, effective February 1, 2019) Source says: "a finance charge for each deferred deposit loan or payday loan that must not exceed an annual percentage rate of thirty-six percent". | Colorado General Assembly — C.R.S. § 5-3.1-105 (Deferred Deposit Loan Act) as of 2026-09-16 |
How to compare offers in Eaton
Here is a short checklist for comparing personal loans in Eaton:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Colorado using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.